COMPREHENSIVE SERVICES

Our Full-Service Approach

Our most comprehensive service option is our full-service arrangement. We act as the plan's investment advisor, as well as the single source for comprehensive plan sponsor support in all areas of plan operation. We work with carefully selected partners for record keeping and trustee services. This allows us to play a hands-on role where it matters for personal service, with the advantage of the scale of larger providers where it counts for efficiency.

Plan Design

Our experienced team will assist with designing your plan to meet your needs. We know that one size does not fit all, so we customize the plan design to meet each employer's needs. Our services include:

• Evaluation of existing plan
• Determination of goals and objectives
• Presentation of options, including contribution illustrations
• Creation of plan document
• Annual review and updates as needed

Our specialty is cross-tested plan design, for the small professional practice trying to maximize benefits for owners and key people.

Compliance Services

We provide complete support for the plan's compliance needs.

• Proactive consulting on company contributions before plan year-end
• All required testing, including ADP, ACP, 410(b), and top heavy testing
• Signature-ready Form 5500
• Audit assistance, with SAS 70 Level II report
• Roth 401(k) support

Investment Consulting

We serve as a fiduciary to the plan for investment selection and monitoring. Our services in this area include:

• Development of an Investment Policy Statement
• Investment research and recommendations
• Quarterly performance reporting
• Model portfolios to simplify investment selection for plan participants - used by 70% of our plan participants
• Quarterly rebalancing of model portfolios

Employee Communications & Services

ML&R Wealth Management is responsible for communication of the plan to our client's employees. Our services include:

• Customized communications materials
• Group meetings for initial enrollment
• Personal consultation with individual plan participants
• Market update meetings
• Ongoing education on retirement topics

Recordkeeping Services

We partner with outside providers for the participant record keeping services. Our role includes evaluation and recommendation of a provider. We are also responsible for ongoing monitoring of the record keeping services. We stay closely involved in the day-to-day operations of the plan.

Trustee & Custodial Services

We work with outside trust company partners for trustee and custodial services for our clients. This arrangement allows us to take advantage of the efficiencies of electronic trading that help keep plan costs down. Our custodial partners also provide an open architecture investment platform for our clients, with access to more than 5,300 different mutual funds.